"You have to do millions of these transactions to make it worth your while, " says Prof.

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"The act of savings is fundamentally about understanding that your future self - the person you're saving for - is in some sense equivalent to your present self, " Prof Chen told the BBC's Business Daily.

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"Your failings were compounded by your use of her medical records for non-clinical reasons, " said Prof Miller.

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Prof Piddock explained that when you take an antibiotic you are having an impact not only on your health, but potentially on that of other people too.

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